Research On The Improvement Of Loan Pricing Model Of Rural Credit Cooperatives In Tongren City Under The Background Of Interest Rate Marketization

As interest rate marketization reform has entered the accelerating period, the price competition of financial product will be the focus of the commercial bank market competition.To establish a scientific loan pricing mode has become an important issue to gain competitive advantages. Recently, due to the restriction of system, mechanism, talent, technology, etc, the existing interest rate pricing model of rural credit cooperatives is still unscientific. How to price loans scientific and reasonably to cover the cost and risk, gain income has become the biggest problem facing by rural credit cooperatives.Under the background of interest rate marketization, the main research objective of this thesis is to analyze the current situation and problems of the rural credit cooperatives in Tong Ren,and improves the existing loan pricing model in line with the existing management level of rural credit cooperatives. In addition, this thesis gives suggestions on how to improve the supporting system of rural credit cooperatives loan pricing model.